Account set-up fees, program fees, Internet-access fees, and credit-limit increase fees are uncommon but out there, so be careful. Most of the time, these fees are tied to the credit cards that are offered to people with bad or poor credit. Not every credit card offered to people with bad/poor credit includes these fees, but it is something you should be aware of.

• Account set-up fee: This is an excuse for the credit-card company to charge you another fee. Usually this is a one-time fee assessed when you are approved for a credit card.
• Program fee: Another opportunity for the credit-card company to charge you a fee. Usually this is a one-time fee assessed when you are approved for a credit card.
• Internet-Access fee: Usually this is a one-time fee assessed when you sign up to access your credit-card account over the Internet.
• Credit Limit Increase Fee: The credit-card company that assessed this fee explained it in the terms and conditions as follows: “Each time your Account is eligible and approved for an unsecured credit limit increase, a Credit Limit Increase Fee of $25 is imposed. This fee is automatically assessed upon approval of your credit limit increase”. Basically, they’re charging you to allow you to spend more money on their credit card. Wow!